Get to know me
Hi, I'm Bernard Cory, a mortgage loan officer with Civic First Mortgage, powered by Morty, in Culpeper, VA! I believe the people who show up for our communities deserve someone who shows up for them. I specialize in helping first responders and public servants navigate homeownership including down payment assistance that can make buying more affordable than you'd think. Whether you're exploring options or ready to buy, expect straight talk, no jargon.
My experience
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Brokerage info
What you can expect from me.
Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.
I use a soft credit pull for rate quotes. No impact to your score. A hard inquiry only happens when you're ready to apply, and always with your explicit permission.
I encourage it! The earlier we connect, the more we can prepare credit, savings, strategy. No pressure, no rush. I'd rather walk with you from the start than meet you unprepared at the finish line.
First responders and public servants. I specialize in down payment assistance and programs built for them; cutting through the jargon so the process feels clear, simple, and worthwhile.